Rating based on 67 reviews

Westpac Car Loan


  • Car loans up to $100,000
  • Low-interest starting from 8.49%
  • Repayment up to 7 years

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Westpac Car Loan homepage

Author Westpac Car Loan. Screenshot of Westpac Car Loan website. [Accessed September 10, 2021]

About Westpac Car Loan

For nearly 200 years, we have served our customers with dedication and professionalism.

The history of Westpac began in 1817 when it started operating under the name Bank of New South Wales in Sydney. After the merger with the Commercial Bank of Australia, its name became Westpac Banking Corporation. In 2008, the corporation merged with St.George Bank.

Serving individuals & businesses

Today, Westpac has branches throughout the Pacific region and offices in the major financial hubs around the globe where we offer home personal and car loans at the lowest rates. 

It employs around 36,000 people and has over 12 million customers. Its global assets are worth AU$ 677.5 billion. It is among the top 5 companies listed on the ASX with a market capitalisation of AU $95.5 billion.

Westpac's three major divisions

Westpac is focused on retail and business finance as well as personal finance. Our sales and customer service operations are run by Westpac Retail & Business Banking. BT Financial Group Australia is responsible for our wealth management and insurance operations.

Westpac Car Loan Services

We offer vehicle finance between $10,000 and $100,000. We are able to finance the purchase of a new or used car.

The vehicle which you buy is used as security for the loan to make things simple, easy and affordable for you. Ride off in your new car in no time with a Westpac car loan. 

Quick loan approval

We have a fast straightforward online loan application process to ensure that no time is wasted. We have some of the shortest approval times.

We offer a fabulous fixed interest rate of 9.99% p.a with a comparison rate of 11.03 p.a for a limited time only. You can save big time with this exclusive deal.

Low monthly service fees

We have a monthly service fee of $10.00. You can select the repayment term in line with your requirements, your preferences and your personal financial situation.

It can be anywhere between 1 and 7 years. We charge an establishment fee of $250. Other fees may apply as well.

Westpac Car Loan Car loan

  • Loan Type Car loans
  • Interest Rate from 8.49%
  • Loan Amount up to $100,000
  • Repayment 1 year to 7 years
  • Initiation Fee $250

Benefits of Westpac Car Loan

  • Flexible repayment options
  • Get lower interest rates o
  • Apply online and get preapproved 

Westpac - Affordable finance for your wheels

Wespac in Sydney Australia is fast becoming one of the largest car finance institutes in the country.

Benefits for Wespac customers:

  • BORROW between $10,000 and $100,000 for a brand new or used automobile, (conditions apply)
  • FIXED charges per unit of 8.49%* p.a. (comparison rate 9.54% p.a.)
  • TERMS of between one and seven years
  • $250 service fee
  • $10 monthly service charge (other fees could apply).

The loan features

  • Repayment management
  • Choose the frequency of your repayments to suit you - after you get paid (weekly, fortnightly or monthly) as long as you pay your online personal loan back at intervals of one to seven years.
  • Make further repayments to repay your loan quicker. If you select a term larger than 2 years, there's a fee of $175. This fee is waived if you disburse your loan by re-financing to a different Westpac loan.

Apply now online or call us on 1300 720 697 8 am-8 pm, seven days per week.

Your application all depends on the following:

Credit criteria, fees, charges, terms and conditions apply. What happens if you suddenly lose your job or become unable to work through illness or injury? Financial commitments continue albeit your financial gain doesn’t. Westpac loan compensation Protection insurance will facilitate these times.

Counting on individual circumstances, we put a hold on loan repayments till you recover and are able to start paying your instalments once again. In the event of your death, your repayments will be covered. Loan protection insurance will be included throughout your online loan application.


Ensure peace of mind with comprehensive, pay by the month vehicle insurance. When your personal loan is approved, you’ll have to be asked to give details for insurance as well as a third party that is selected before the loan is taken care of. You may be able to borrow further funds on your car loan, should you need any mechanical repairs or work done to the car.

Westpac consumer loan - eligibility

  • You have to be a permanent resident of Australia
  • Aged eighteen years or over
  • Have a salary coming in each month

If you are unsure as to whether or not you meet the criteria, feel free to contact our help Centre on the number that follows below to discuss your concerns.

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Westpac Car Loan is a trusted & reliable provider of car loans

In our review, Westpac Car Loan adheres to the compliance criteria in accordance with the National Consumer Credit Protection Act 2009, as well as the National Consumer Credit Protection Regulations 2010, where the granting the loan will not cause financial distress to the consumer.

Westpac Car Loan is a registered credit provider in Australia; ACL 233714

Customer Reviews & Testimonials

May 2019

I didn’t think getting my car loan could be as easy as taking 10 minutes to fill in an application, and then waiting for a decision- which didn’t take long either.

Brad M
— Canberra —

July 2019

The consultants are always helpful and friendly.

Renae B
— Perth —

February 2019

I applied for a car loan to replace my old one and they were completely transparent with me throughout. It’s nice to know that a company has your back and Westpac certainly does.

Kristyana L
— Hobart —

Westpac Car Loan Contact

Physical Address

Opening Hours

  • Monday 09:30 – 16:00
  • Tuesday 09:30 – 16:00
  • Wednesday 09:30 – 16:00
  • Thursday 09:30 – 16:00
  • Friday 09:30 – 17:00
  • Saturday – Closed
  • Sunday – Closed